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Last updated: June 4, 2026
Top O' Michigan Insurance Solutions is operated by Spire America Holdings Inc. This Privacy Policy applies to Spire America Holdings Inc. and its operating brands, including Top O' Michigan Insurance Solutions.
This Privacy Policy applies to Spire America Holdings Inc. and its subsidiaries. Before using our Site, please carefully read this Privacy Policy. By using the Site, creating an account, providing information to us (by any means, whether in correspondence, via our Site, or otherwise), or using our services, you acknowledge that you have read, understood, and consent to be bound by this Privacy Policy. If you do not agree with this Privacy Policy or our practices, you may not use our Site.
Personal Information is generally information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular person.
We may collect, use, store and transfer different kinds of personal information about you, including:
We collect this information when you fill out forms on our website, apply for insurance coverage, file a claim, contact us via phone, email, or chat, or use our website. We may also collect information from third parties, such as credit reporting agencies, other insurers, or publicly available sources.
We will only use your personal information when the law allows us to. Most commonly, we will use your personal information to provide insurance quotes and services; process claims; communicate with you about your policy; improve our services; comply with legal obligations; and send you marketing communications (with your consent).
We may share your information with insurance carriers; claims adjusters; service providers (such as payment processors and IT services); legal and regulatory authorities; and professional advisers including lawyers, bankers, auditors, and insurers. We do not sell your personal information to third parties.
We have implemented appropriate technical and organizational measures to protect your personal information. However, no method of transmission over the Internet or method of electronic storage is 100% secure.
Depending on your location and applicable laws, you may have the right to access your personal information; correct inaccurate information; request deletion of your information; object to processing of your personal information; request restriction of processing your personal information; request transfer of your personal information; and withdraw consent. To exercise these rights, please contact us using the information provided in the Contact Us section.
We use cookies and similar tracking technologies to track activity on our Site and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.
We may update this Privacy Policy from time to time. The latest version will always be available on our website. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last Updated” date at the top of this Privacy Policy.
If you have any questions about this Privacy Policy or our practices, please contact us at: Spire America Holdings Inc., 514 N. Ripley Blvd., Alpena, MI 49707, 800-686-8664, service@thespireteam.com.